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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,380 | $45,343+37.6% | $150,298-58.5% | $67,986-8.2% |
| Participation rate | 60.4% | 51.9%+8.5pp | 77.8%-17.4pp | 57.2%+3.2pp |
| Annual return | -1.90% | 33.28%-35.2pp | 62.79%-64.7pp | 31.67%-33.6pp |
| Employer contribution / active EE | $2,118 | $1,462+44.9% | $4,154-49.0% | $2,019+4.9% |
| Participant deferral / active EE | $3,405 | $2,055+65.7% | $5,453-37.5% | $3,358+1.4% |
| Admin fee / account holder | $13,020 | $2,250+478.7% | $14,116-7.8% | $3,203+306.5% |